All full-time students, including visiting/exchange students, must have health insurance that meets University Insurance Criteria. Students can enroll in the UR Student Health Insurance Plan or they can waive the insurance if their plan meets University criteria. Requests to waive the University-sponsored insurance may be audited to verify coverage. International-based insurance plans often do not meet University criteria. See "Insurance with an International-based Company" below for more information.
Every year all full-time students, whether new or returning, must document their health insurance coverage by completing the Online Insurance Process during the appropriate open enrollment period. Students who enroll in the UR Student Health Insurance Plan (UR SHIP) are enrolled on the plan from August 1 through July 31 (January 31 if graduating in December). Students enrolling in UR Student Health Insurance Plan may enroll eligible dependents. The same deadlines apply.
Failure to complete the Online Insurance Process during the appropriate open enrollment period will result in automatic enrollment in the UR Student Health Insurance Plan for the full year (i.e., August 1 through July 31). Enrolling in this way is highly discouraged since it could lead to a delay in access to care during the first two months of the plan. Students will not be allowed to disenroll from the insurance plan during the plan year..
NOTE: Students who are beginning full-time studies before August 1 must complete the process to enroll or waive the insurance in two steps. Completing both steps is necessary to assure continuation of your coverage decision from the start of your program through the academic year. Step 1 covers the beginning of your program through July 31. Step 2 covers the academic year (August 1 through July 31). Click here for instructions.
All full-time students participate in the Student Health Plan, which includes the mandatory health fee and health insurance. The mandatory health fee covers primary care visits to the University Health Service (UHS), services provided by the University Counseling Center (UCC), and programs and services provided by the UHS Health Promotion Office. For more information about services for full-time students, click here.
The fees for the mandatory health fee and health insurance for 2017-2018 are:
Coverage begins on August 1st and continues through July 31st. Students who have insurance coverage that meets University Insurance Criteria can waive the health insurance fee. All full-time students must complete the Online Insurance Process during the appropriate open enrollment period.
Some significant changes have been made to the University-sponsored health insurance plan for the coming year. You may want to consider these changes as you decide whether to enroll or waive the University-sponsored plan for the 2017-18 year. As a result of recent NYS approval for the University to "self-fund" the health insurance plan, the premium for Plan Year 2017-18 will decrease by 6.8%, to $2,292. In addition, the plan will have no deductibles (i.e., the $125 medical deductible and the $250 pharmacy deductible have both been removed from the plan). The University is excited to offer these savings to full-time University students, their spouses, domestic partners, and dependents. For more information about the UR Student Health Insurance Plan, check "View Plan Details."
If you should experience a qualifying life event (QLE) during the year and want to enroll in the UR Student Health Insurance Plan, please contact the UHS Insurance Advisor for assistance and the appropriate form.
International-based plans often do not meet University Insurance Criteria for waiver. For this reason, we recommend checking the University Insurance Criteria carefully before deciding to purchase insurance from an international-based company. Your plan must meet all of the University Insurance Criteria to qualify for waiver of the University-sponsored insurance.
All full-time students must complete the Online Insurance Process during the appropriate open enrollment period. If your request to waive is denied, you can appeal the denial or you can enroll in the UR Student Health insurance plan. Appeals must be submitted by September 15. Contact the UHS Insurance Advisors at firstname.lastname@example.org for assistance.
The student plan does not cover routine vision or dental care. Adding vision and dental care benefits to the UR Student Health Insurance Plan (Aetna) would significantly increase the cost for the insurance plan. The UR Student Health Insurance Plan (Aetna) covers care for illness, accident, or injury to eyes and injury with damage to previously sound, natural teeth (up to $1,000/plan year).
Routine Vision Care: The Flaum Eye Institute in the UR Medical Center offers comprehensive eye care and optical support at several locations nearby.
Routine Dental Care: In the U.S., routine dental care is usually covered by a separate dental plan. The Eastman Institute for Oral Health (EIOH) on Elmwood Avenue by the UR Medical Center offers a Student Dental Plan for full-time students. The open enrollment period is from September 1 through October 31. Check the EIOH website for information about the plan and an application form.
The Eastman Institute for Oral Health offers comprehensive dental care. You do not need to enroll in the Student Dental Plan to use the services offered by the Eastman Institute for Oral Health. An option for routine teeth cleanings at a very low cost is the Dental Hygiene Clinic at Monroe Community College, which is located on East Henrietta Road.
Visiting and exchange students who will be studying at the University for 8 weeks or more participate in the Student Health Plan, which includes the mandatory health fee and health insurance. They receive the same services as University of Rochester full-time students. Visiting and exchange students must complete the Online Insurance Process during the appropriate open enrollment period. They can enroll in the University-sponsored insurance plan or waive the insurance if their plan meets the University Insurance Criteria. These students must also complete the Health History Form. See Entering Student Health Requirements for more information.
Visiting and exchange students who will be studying at the University for less than 8 weeks do not participate in the Student Health Plan. They are welcome to come to the University Health Service (UHS) for care on a fee-for-service basis. These students do not complete a Health History Form.
Graduating students are encouraged to check their health insurance status to assure continuing coverage and access to health care following graduation. Students enrolled in the University-sponsored insurance plan graduating in spring are covered through July 31. Most fall graduates are covered through December 31. For information about coverage options after graduation, check "Information for Graduating Students" on this web site. If you have questions, you can write to the UHS Insurance Advisor at email@example.com for assistance.